{"id":139578,"date":"2026-01-22T19:54:47","date_gmt":"2026-01-22T18:54:47","guid":{"rendered":"https:\/\/lexpertjournal.net\/fr\/?p=139578"},"modified":"2026-01-22T19:54:47","modified_gmt":"2026-01-22T18:54:47","slug":"pnb-en-hausse-la-stb-consolide-sa-trajectoire-de-performance-en-2025","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=139578","title":{"rendered":"PNB en hausse : la STB consolide sa trajectoire de performance en 2025"},"content":{"rendered":"<h4>\u00c0 fin d\u00e9cembre 2025, la Soci\u00e9t\u00e9 Tunisienne de Banque (STB) a affich\u00e9 une progression significative de son Produit Net Bancaire (PNB), qui s\u2019est \u00e9tabli \u00e0 687,9 millions de dinars, en hausse de 5,89 % par rapport \u00e0 fin d\u00e9cembre 2024. Cette \u00e9volution constitue l\u2019un des principaux marqueurs de la performance r\u00e9alis\u00e9e au cours de l\u2019exercice.<\/h4>\n<h4>La croissance du PNB s\u2019explique avant tout par un diff\u00e9rentiel favorable entre produits et charges d\u2019exploitation bancaire. Les produits ont progress\u00e9 de 3,3 %, tandis que les charges associ\u00e9es ont \u00e9volu\u00e9 \u00e0 un rythme plus mod\u00e9r\u00e9 (+1,08 %), permettant une am\u00e9lioration sensible de la rentabilit\u00e9 op\u00e9rationnelle.<\/h4>\n<h4>Dans le d\u00e9tail, les produits d\u2019exploitation bancaire ont atteint 1 454,4 millions de dinars. Ils sont rest\u00e9s majoritairement issus des produits d\u2019int\u00e9r\u00eats (60,8 %), compl\u00e9t\u00e9s par les revenus du portefeuille titres (29,9 %) et les commissions nettes (9,4 %), traduisant un mod\u00e8le d\u2019activit\u00e9 reposant \u00e0 la fois sur le financement de l\u2019\u00e9conomie et la gestion financi\u00e8re.<\/h4>\n<h4>L\u2019activit\u00e9 de cr\u00e9dit demeure la principale source des produits d\u2019int\u00e9r\u00eats, avec une contribution de 91,6 %, soit 809,6 millions de dinars. Dans le m\u00eame temps, l\u2019encours des cr\u00e9ances nettes sur la client\u00e8le s\u2019est \u00e9tabli \u00e0 8 645 millions de dinars, en recul de 1 126 millions de dinars par rapport \u00e0 fin 2024, traduisant la poursuite de la politique d\u2019optimisation d\u2019octroi de cr\u00e9dit avec le maintien du financement des acteurs \u00e9conomiques et les \u00e9tablissements publics.<\/h4>\n<h4>Parall\u00e8lement, la Banque a renforc\u00e9 sa pr\u00e9sence sur le march\u00e9 financier. L\u2019encours du portefeuille titres a progress\u00e9 de 1 012 millions de dinars (+26,1 %) pour atteindre 4 886 millions de dinars, principalement sous l\u2019effet de l\u2019augmentation des Bons du Tr\u00e9sor Assimilables (BTA) d\u00e9tenus en portefeuille d\u2019investissement.<\/h4>\n<h4>Sur le passif, les charges d\u2019exploitation bancaire se sont \u00e9lev\u00e9es \u00e0 766,4 millions de dinars, compos\u00e9es quasi exclusivement de charges d\u2019int\u00e9r\u00eats. Celles-ci restent majoritairement li\u00e9es aux d\u00e9p\u00f4ts de la client\u00e8le, tandis que le recours aux ressources de march\u00e9 \u00e0 court terme est nul \u00e0 fin d\u00e9cembre 2025.<\/h4>\n<h4>Les d\u00e9p\u00f4ts de la client\u00e8le ont poursuivi d\u2019ailleurs leur progression, atteignant 12 508 millions de dinars, en hausse de 9,7 %. Leur structure, domin\u00e9e par les d\u00e9p\u00f4ts \u00e0 vue et d\u2019\u00e9pargne, constitue un socle de financement stable pour la Banque.<\/h4>\n<h4>Cette configuration s\u2019est traduite par des indicateurs de liquidit\u00e9 confortables. Le Loan to Deposit Ratio (LTD) s\u2019est \u00e9tabli \u00e0 81,7 %, bien en de\u00e7\u00e0 du seuil r\u00e9glementaire, tandis que le ratio de liquidit\u00e9 \u00e0 court terme (LCR) demeure sup\u00e9rieur \u00e0 la norme de 100 %.<\/h4>\n<h4>Enfin, l\u2019\u00e9volution du PNB, conjugu\u00e9e \u00e0 la ma\u00eetrise des charges, se sont refl\u00e9t\u00e9es dans l\u2019am\u00e9lioration du coefficient d\u2019exploitation, qui est pass\u00e9 de 50,08 % \u00e0 48,47 %. Les charges op\u00e9ratoires n\u2019ont augment\u00e9 que de 2,48 % sur la p\u00e9riode.<\/h4>\n","protected":false},"excerpt":{"rendered":"<p>\u00c0 fin d\u00e9cembre 2025, la Soci\u00e9t\u00e9 Tunisienne de Banque (STB) a affich\u00e9 une progression significative de son Produit Net Bancaire (PNB), qui s\u2019est \u00e9tabli \u00e0 687,9 millions de dinars, en hausse de 5,89 % par rapport \u00e0 fin d\u00e9cembre 2024. Cette \u00e9volution constitue l\u2019un des principaux marqueurs de la performance r\u00e9alis\u00e9e au cours de l\u2019exercice. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":139579,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,28],"tags":[],"class_list":["post-139578","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PNB en hausse : la STB consolide sa trajectoire de performance en 2025 - L&#039;expert Journal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lexpertjournal.net\/fr\/?p=139578\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PNB en hausse : la STB consolide sa trajectoire de performance en 2025\" \/>\n<meta property=\"og:description\" content=\"\u00c0 fin d\u00e9cembre 2025, la Soci\u00e9t\u00e9 Tunisienne de Banque (STB) a affich\u00e9 une progression significative de son Produit Net Bancaire (PNB), qui s\u2019est \u00e9tabli \u00e0 687,9 millions de dinars, en hausse de 5,89 % par rapport \u00e0 fin d\u00e9cembre 2024. 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